Supercheap auto car insurance a joke

GORDZ · 07-12-2007, 01:30 PM

Just picked up a brocure on the way through the store, thought i'd give them a go for a 'hassle free quote'

well if you have a modified car, don't bother.

exhaust, don't bother

engine mods, don't bother

aftermarket subwoofer, don't bother.

everything apart from stock is a dead end 'we can't touch you' response.

I find it bizzare that a store like supercheap would be adopting such a hitler style extremely low risk car insurance agency!

:

TadKa · 07-12-2007, 02:03 PM

Yeah I found the same and I agree it's strange they have decided to take that approach. I did the online quote and it wouldnt give me one as I ticked towbar or something equally trivial

SiKoRa_eL_97 · 07-12-2007, 02:09 PM

What if you got the products from supercheap?
I think they'd endorse there own products LMAO

GORDZ · 07-12-2007, 02:12 PM

thats what i said.. i had a go at them and turns out they're not supercheap car insureance at all... just another smaller company money grab by persuading a big company to put their name to it.

are just cars seriously the only company that'll insure my p-plate highly modded BA XR6 ***?

arm79 · 07-12-2007, 02:20 PM

Considering Supercheap's policies are underwritten by the same company that does Budget Direct, Insurers Hotline, etc, etc, you would have known you had no chance with them... Stock as a rock only!

But, the policies are cheap as because of it, so it sticks with the Supercheap mantra!

BeStRaFe · 07-12-2007, 02:25 PM

yep, they are a joke,

they would not isure me, a driver with a cleen record, a stright BA 6cyl,
i have never made a claim at all

and i drive a E-GAS

the reason?

the rims and the bodykit have been changed on my car..

if you are under 25, and have changed anything, then your *** is un-insurable by them

howver, with nrma. its good price.....

my exhaust, my rims, bodykit, soundsystem are all on the insurance and they dont care

and my policy went DOWN last time i asked about it

GORDZ · 07-12-2007, 02:36 PM

i'll try NRMA now... $3600 a year is a killer

||| · 07-12-2007, 02:39 PM

i will have to give them a try maybe when my insurance expires next i'd like to start saving money anywhere i can with the way prices are going these days every cent counts and i always liked supercheap they have some good deals on long weekends

ea90gl · 07-12-2007, 04:02 PM

try shannons mate im 22 with a mild 5ltr Vl calais with 3.45 LSD stage 2 shift kit, 2800 stall, big cam eldelbrock intake, 2 1/2 inch system, pacemakers, lowered window tint etc etc and am insured for 10 grand rating one for life, 400 dollar excess. Premium is $1000 a year for full comp fire and theft (500 for me since my fiance works at thier sister company APIA

) they said to me the more the mods the better as the car will be insured for more value and they actually do know what car enthusiasts are like. I saw all them ads and thought "yeah whatever" but since actually dealing with them i wouldnt insure my car with any one else. Best thing about it was they didnt even look at the car to come to an agreed value (dont try lie though as if they find out your car does not have the mods when it comes accident time they'll laugh in your face instead of give money"

FORD3V · 07-12-2007, 04:07 PM

I would try shannons mate,I am 23 and have a modded 3 valve,exhaust,cold air intake,edit,lsd etc and it cost's me around $1100 a year for full comp.

GORDZ · 07-12-2007, 04:33 PM

i will too ring shannons, though i'm sure they knocked me back for the ute when it was bog stock

broken_suave · 07-12-2007, 04:41 PM

Shannons? Dont they have a policy not to insure anyone under 30? or has that recently changed?

See also, CGU for nice cheap premiums. Dont know about highly modded rides, but a few mods here and there didnt affect my premium.

XW 393 · 07-12-2007, 04:59 PM

Quote:

Originally Posted by broken_suave

Shannons? Dont they have a policy not to insure anyone under 30? or has that recently changed?

See also, CGU for nice cheap premiums. Dont know about highly modded rides, but a few mods here and there didnt affect my premium.

I have been insured with shannons for 3 years and I am still not 30.

GORDZ · 07-12-2007, 05:00 PM

nope, shannons want 5 years driving experience, wether it be before or after L's, and a defensive driving course would have helped too.

theunfairadvant · 07-12-2007, 05:15 PM

Quote:

Originally Posted by arm79

Considering Supercheap's policies are underwritten by the same company that does Budget Direct, Insurers Hotline, etc, etc, you would have known you had no chance with them... Stock as a rock only!

But, the policies are cheap as because of it, so it sticks with the Supercheap mantra!

Budget Direct & Insurers Hotline is the same company.
They are the worst when it comes to claims, as they will need you
to get a copy of your license statement from the RTA.

They will see if you have had any demerit points or fines during that
time if you have they will knock back your claim.

They are cheap and nasty.

BionicGT · 07-12-2007, 05:37 PM

Generally Shannons want all drivers to be over 25 (if the vehicle is fairly new and expensive). If under 25 they are looking for the under 25 to have done a defensive driving course. Premiums skyrocket when an under 25 is listed as driving a performance vehicle.

I didn't find Shannons competitive for my BF MkII GT. Even limited use (drive less than 2-3 times a week only) premium was only a $100 less than GIO premium for full daily use.

SirJuggsalot · 07-12-2007, 05:42 PM

Yeah I just changed to NRMA, Im 24 and my XR6T is only $1,400 for full comp. Its only had an edit/tune so I didnt bother telling them about that.

I was with JustCar and paid $2,200 upfront when I bought the car earlier this year, had 3 months left of the policy when I cancelled it, the cheque they gave me paid for rego

FORD3V · 07-12-2007, 05:46 PM

Quote:

Originally Posted by GORDZ

nope, shannons want 5 years driving experience, wether it be before or after L's, and a defensive driving course would have helped too.

My first car was an XW,I got it when I was 18 and it was insured with shannons,I had only been driving for a year when I bought it.

I swear half these insurance companys have a differant policy for every person who applies for cover.

BionicGT · 07-12-2007, 05:58 PM

Quote:

Originally Posted by FORD3V

I swear half these insurance companys have a differant policy for every person who applies for cover.

Found this with Shannons. Got a different cost every time I spoke to someone different. Each person also had a different view on what consituted a mod and thus what the extra premium was.

Preferred AAMI's online system and the fact I could have a high excess and avoid a high annual premium. If prang not my fault, no excess (in fact nothing) to pay. If it is, I'm no further behind than paying a low excess high premium policy (like GIO or NRMA).

Ralliart · 07-12-2007, 07:26 PM

Quote:

Originally Posted by arm79

Considering Supercheap's policies are underwritten by the same company that does Budget Direct, Insurers Hotline, etc, etc, you would have known you had no chance with them... Stock as a rock only!

But, the policies are cheap as because of it, so it sticks with the Supercheap mantra!

could' t agree more with u on that, i so need move away from from budget direct

:

99XR6 · 07-12-2007, 08:52 PM

Hey shannons is great I am 24 with some fines and they where the only ones who would fully insure my AU XR6 vct manual, with a lot of mods for a specific agreed value, and my 96 LTd V8 and 71 Xy. All 3 are fully insured for agreed values and it costs $1400 a year($147 a month). racq would not insure the LTD because of wheels and stereo. I'd deal with shannons any day, you can have a chat and they know what you are actually talking about.

Nostalgia · 07-12-2007, 08:54 PM

Quote:

Originally Posted by BeStRaFe

yep, they are a joke,

they would not isure me, a driver with a cleen record, a stright BA 6cyl,
i have never made a claim at all

and i drive a E-GAS

the reason?

the rims and the bodykit have been changed on my car..

if you are under 25, and have changed anything, then your *** is un-insurable by them

howver, with nrma. its good price.....

my exhaust, my rims, bodykit, soundsystem are all on the insurance and they dont care

and my policy went DOWN last time i asked about it

Why would you want to insure your a$$ ?

InTrail · 07-12-2007, 10:21 PM

Quote:

Originally Posted by NostalgEA

Why would you want to insure your a$$ ?

Didn't Jessica Alba insure hers for something like $25m

:

theunfairadvant · 07-12-2007, 10:24 PM

Quote:

Originally Posted by NostalgEA

Why would you want to insure your a$$ ?

Just ask Jennifer Lopez & Jessica Alba

SiKoRa_eL_97 · 07-12-2007, 10:42 PM

Quote:

Originally Posted by BionicGT

Found this with Shannons. Got a different cost every time I spoke to someone different. Each person also had a different view on what consituted a mod and thus what the extra premium was.

Preferred AAMI's online system and the fact I could have a high excess and avoid a high annual premium. If prang not my fault, no excess (in fact nothing) to pay. If it is, I'm no further behind than paying a low excess high premium policy (like GIO or NRMA).

YOur right my friend called up once and didnt get insured then called up again hes got a VL BT1 and the guy insured him cause he has a BT1 as well LOL

XR8 Uterous · 08-12-2007, 04:27 AM

I'm loving my insurance at the moment, $250 a year, full comp for a 18 year old driving a modded XR6.

Gotta love Dads fleet policy through work

sleekism · 08-12-2007, 09:12 AM

Quote:

Originally Posted by BionicGT

Found this with Shannons. Got a different cost every time I spoke to someone different. Each person also had a different view on what consituted a mod and thus what the extra premium was.

Preferred AAMI's online system and the fact I could have a high excess and avoid a high annual premium. If prang not my fault, no excess (in fact nothing) to pay. If it is, I'm no further behind than paying a low excess high premium policy (like GIO or NRMA).

Yeah I'm with AAMI I jacked my excess right up so I'm only paying $700 bucks a year for a modded car.

Even if I am at fault the agreed value that includes the exhaust is more than I owe on my car so if I crash at my fault I can pay off my loan and have enough money left over to buy an EL or something.

Only problem is the 2 mod limit which means I'm at a brick wall at the moment after I put on my exhaust and extractors.

Am I the only one who things it is funny the level of insurance knowledge by young people on this forum???

Most Holden mates I have aren't even quite sure what insurance is so don't have any lol

**GasoLane** · 08-12-2007, 08:30 PM

Quote:

Originally Posted by FORD3V

I swear half these insurance companys have a differant policy for every person who applies for cover.

Of course they have. There is no way they will give the same quote to someone under 25 as they will to an old phart like me!

Geez Louise · 08-12-2007, 11:23 PM

Supercheap...the name says it all!!

nobbystang · 09-12-2007, 12:03 AM

Quote:

Originally Posted by BeStRaFe

howver, with nrma. its good price.....

my exhaust, my rims, bodykit, soundsystem are all on the insurance and they dont care

and my policy went DOWN last time i asked about it

I turned 30 and NRMA raised my 3rd party and comprehensive(quite a few $100). Rung them up to ask why, and they ended up losing my 3-4 policies I had with them. AAMI were so much cheaper, and although I don't get to choose my repairer like I did for NRMA, the $$$ saved is better in my pocket then theirs!!